The easiest digital stamp card software for local businesses

Keep the loyalty mechanic customers understand — just remove paper, friction, and lost cards.

No app. No customer signup. Up and running in 5 minutes.


The stamp card works. The paper doesn't.

Stamp cards are one of the most proven loyalty tools around. The mechanic is simple and it works — customers come back because they're working toward a goal. The principle is sound.

The problem is the medium. 39% of customers abandon paper stamp programs because they lose the card (Statista). Others leave it at home. And as a shop owner, you have no idea how many cards are actually in circulation — or how many ended up in the bin.

Digital stamp cards change the medium, not the idea. The card is always there — on the customer's phone. No losing it, no forgetting it, no starting over. Customers who stopped collecting because they lost their card? They come back.

39% of customers abandon paper programs — because they lost the card.

Statista / Loopy Loyalty
Full comparison: Digital vs. Paper

What your customer experiences

No app download. No account. No password. Your customer scans once — and has a digital stamp card, instantly.

  1. First visit

    The customer scans the QR code in your shop — or taps the NFC stamp — and gets their digital loyalty card immediately. It opens directly in the browser, no download required.

  2. Save the card

    With one tap, the card goes into Apple Wallet or Google Wallet. Always accessible — even offline — and not lost in a browser tab.

  3. Collect stamps

    A stamp is added on every visit. Customers see their progress at a glance — and research shows: the closer the goal, the more often they come back. That's not a marketing claim, it's documented psychology.

  4. Redeem the reward

    When the card is full, they redeem right on their phone — no paper, no code, no hunting around. The card resets and the cycle starts again.


For your staff: simpler than making coffee

Stamping takes two to three seconds. Scan a QR code, hold an NFC stamp to the phone, or enter a PIN — done. No training required. Most staff figure it out without being shown.

Summa runs in the browser on whatever device you already have behind the counter — tablet, laptop, or phone. No installation, no new hardware. If you can log into a website, you can run Summa.

The dashboard shows you how often stamps are issued, how many cards are active, and when rewards are redeemed. No more guessing — you can see whether your program is working.

No training No new hardware No installation

Three ways to stamp — you choose what fits

There's no right or wrong method. Which one works best depends on your counter and your daily flow.

QR Scan

Your staff scans the QR code on the customer's card with the browser device behind the counter. Done in under five seconds. The most common method — works with any smartphone, no accessories required.

Best for: Cafés, bakeries, any shop with a fast checkout flow

NFC Stamp

A small NFC chip — on a physical stamp or sticker — held briefly to the customer's phone. Under one second. The customer doesn't even need to unlock. Ideal when it's busy and speed matters.

Best for: High-throughput cafés, bakeries, hair salons

PIN Entry

Every customer card has a four-digit code. The customer reads it out, your staff types it in — stamp issued, no device needed. The simplest method to get started with.

Best for: Shops that want to start immediately, with no equipment or setup

Compare all stamp methods in detail

The card lives on the phone — not in an app

Only 12% of smartphone owners with loyalty memberships have ever downloaded a loyalty app (Bond Brand Loyalty). The rest don't bother — too much friction for too little value.

Summa cards don't need their own app. They run in the browser and save to Apple Wallet or Google Wallet with one tap — right where customers already keep their tickets, passes, and cards. Always accessible, even without an internet connection.

If someone gets a new phone, they recover their card by email. No lost progress, no starting over.

No app Apple Wallet Google Wallet
More on the no-app approach

What customers collect — examples by business type

The best reward has high perceived value and low actual cost. A free coffee costs you 20–30% of the sale price — but it feels like a real gift to the customer.

  • 10 coffees → 1 free
  • 8 visits → free slice of cake
  • 5 breakfasts → next one 50% off

Coffee is the ideal stamp card product: high visit frequency, low reward cost, strong habit-formation effect.


Common questions

Do customers need to download an app?

No. Customers don't need an app. The stamp card opens directly in the browser — on iPhone and Android. They can optionally save it to Apple Wallet or Google Wallet with one tap. That's optional, but it makes the card even more accessible.

Do customers need to sign up or register?

No. One scan is all it takes. Optionally, customers can add their email address to recover their card if they change devices. That's entirely voluntary — it works without it too.

How long does setup take?

Five minutes if you know what you want. Create a program (name, reward, stamp count), set up a location, choose your stamping method. After that, Summa runs. No technician required.

What stamping methods are available?

Three: QR scan (staff scans the customer's card), NFC stamp (a physical chip held to the phone), and PIN entry (customer reads out their code). You can combine them — many shops use QR and PIN in parallel.

What happens if a customer loses or replaces their phone?

Customers who have added their email address get their card back with one click — including their stamp progress. No reset, no lost effort.

Can I run multiple locations?

Yes. You can add multiple locations under one account. Customers collect stamps across all of them on the same card.

How much does Summa cost?

€9/month for up to 50 active cards. €19 for up to 200. €39 for up to 500. 30-day free trial — no credit card required.

Is there a contract or minimum term?

No. Cancel monthly, any time. No annual contract, no exit fee.

Is Summa GDPR-compliant?

Yes. Customers can use Summa completely anonymously — no email, no profile. If they do add their email, it's only used for card recovery. No purchase data, no profiling, no tracking.


Ready to retire the paper card?

30 days free. No contract. You're set up in 5 minutes.

  • No app for customers
  • Apple Wallet & Google Wallet
  • No customer signup
  • Cancel any time